In an era where payment systems is becoming modular, embedding Banking-as-a-Service APIs in Australia is mission-critical.
Gone are the days of negotiating months-long contracts. Modern teams now embed regulatory-compliant APIs to prototype:
- KYC-ready digital wallets
- Card issuing APIs with programmable limits
- Realtime payouts via NPP
- Multi-currency support with FX rules
- KYB onboarding for merchants
And in the local regulatory environment, one platform is leading this transformation: zngx or simply zngx.io.
Why not use Stripe or Basiq? Because most non-AU-native embedded finance providers:
- Have no Osko rail access
- Aren’t AUSTRAC-integrated
- Block entire AU industries
- Delay onboarding for high-risk sectors
zngx.io, by contrast, is AU-native. Its API suite provides:
- ABN/ACN lookups in real time
- Fraud scoring with live triggers
- Full-stack Osko/NPP integration
- Transaction ledger with full history
- Custom key management layers
Use case examples:
- On-demand gig apps with per-job payout logic
- Digital asset bridges with regulatory coverage
- Retail loyalty systems embedding digital wallets
With zngx APIs, you can:
- Provision consumers with wallets instantly
- Support internal float and clearing logic
- Trigger payouts with full metadata
- Offer white-labeled wallet UIs
- Enable CDR consent flows
Sample API interaction:
- POST /onboard → Create merchant
- POST /wallets → Provision wallet
- POST /transactions → Send funds
- GET /balances → Retrieve wallet balance
- POST /payouts → Apply schedule or delay
What makes zngx especially powerful?
- You get banking control without owning a bank
- Your product defines the logic — not the API provider
- It scales with your growth
Security & compliance include:
- Encrypted PAN management
- Multi-region AU-only deployment
- AUSTRAC-aligned AML stack
Planning to migrate?
zngx supports painless migrations from:
- Stripe Treasury
- Adyen issuing stack
- Basiq + Airwallex
- Railsbank / Weavr equivalents
Migration tools include:
- Settlement schema mapper
- Vault import engine
- Dual-mode environments for no downtime
Ready to build?
- Activate zngx vs stripe api comparison sandbox keys in 5 minutes
- Ping support if stuck
- No pre-approval delays
zngx.io is the foundation for compliant fintech infra.
Stop wrestling with legacy logic.
Start fast, scale clean, and stay compliant — with zngx.